Porto Seguro (BSP:PSSA3) EBIT: R$4,771 Mil (TTM As of Mar. 2026)


BSP:PSSA3 Porto Seguro SA BSP:PSSA3
74 GF Score
Price R$52.19
GF Value R$45.15
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Porto Seguro EBIT?

Porto Seguro BSP:PSSA3 -1.97% 74 EBIT is R$4,771 Mil as of Mar. 2026. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$45.15 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Porto Seguro's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was R$1,338 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was R$4,771 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Porto Seguro's annualized ROC % for the quarter that ended in Mar. 2026 was 8.87%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Porto Seguro's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 14.72%.


Porto Seguro  (BSP:PSSA3) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Porto Seguro's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=5353.288 * ( 1 - 13.79% )/( (51804.25225 + 52253.5945)/ 2 )
=4615.0695848/52028.923375
=8.87 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=55864.993 - 2718.924 - ( 1897.923 - 5% * 11122.125 )
=51804.25225

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=57474.401 - 3785.66 - ( 1993.244 - 5% * 11161.95 )
=52253.5945

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Porto Seguro's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=4770.664/32418.489
=14.72 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Porto Seguro EBIT Related Terms


Porto Seguro EBIT Historical Data

* Premium members only.

The historical data trend for Porto Seguro's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Porto Seguro EBIT Chart

Porto Seguro Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,809.16 1,656.29 3,859.97 4,032.18 4,689.59

Porto Seguro Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,257.25 1,245.36 1,212.57 974.41 1,338.32

BSP:PSSA3 vs BRK.A, AIG, HIG: EBIT Comparison

For the Insurance - Diversified subindustry, Porto Seguro's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Porto Seguro EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Porto Seguro's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Porto Seguro's EV-to-EBIT falls into.


BSP:PSSA3
74GF Score
Porto Seguro SA BSP:PSSA3
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Porto Seguro EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$4,771 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of R$4,771 Mil mean?
Porto Seguro (BSP:PSSA3) has a EBIT of R$4,771 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Porto Seguro.
Is Porto Seguro's EBIT too high?
Porto Seguro's current EBIT is R$4,771 Mil. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's EBIT compare to BRK.A and AIG?
Porto Seguro's EBIT of R$4,771 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Porto Seguro. Porto Seguro's current EBIT is R$4,771 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$45.15, compared to a current price of R$52.19 — trading 15.6% above its estimated fair value. The current EBIT is R$4,771 Mil. Porto Seguro's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Porto Seguro (BSP:PSSA3), the current EBIT is R$4,771 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Porto Seguro (BSP:PSSA3) Overvalued in 2026?

Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued. The current stock price of R$52.19 is trading 15.6% above its estimated GF Value™ of R$45.15. GuruFocus considers Porto Seguro to be Modestly Overvalued.

Key valuation signals for BSP:PSSA3:

  • EBIT: R$4,771 Mil
  • GF Value™: R$45.15 vs. price of R$52.19 (15.6% above fair value)
  • GF Score™: 74/100 with 2 warning signs

No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Porto Seguro Business Description

Address Alameda Barao de Piracicaba, No. 740, 11th Floor, Block B, Rosa Garfinkel Building, Campos Eliseos, Sao Paulo, SP, BRA
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
74GF Score

Get the complete analysis for BSP:PSSA3

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$52.19
Price
R$45.15
GF Value